Cards tracked Directly_Observed
12
Last verified Directly_Observed
20 Apr 2026
Scope Directly_Observed
UK incorporated businesses
Limited companies and LLPs only
| Card | Earn rate / cashback | Verified | Source | |
|---|---|---|---|---|
 | American Express Basic Business Card | None | American Express | |
 | HSBC Business Credit Card | None | HSBC | |
 | Funding Circle FlexiPay | None | Funding Circle | |
 | Funding Circle Cashback Business Credit Card | 1.5 | Funding Circle | |
 | American Express Business Gold Card | 1.0 | American Express | |
 | American Express Business Platinum Card | 1.0 | American Express | |
 | NatWest Business Credit Card | 1.0 | NatWest | |
 | Capital on Tap Business Credit Card | 0.5 | Capital on Tap | |
 | Barclaycard Select Cashback Business Credit Card | 0.5 | Barclaycard | |
| Barclaycard Premium Plus Business Credit Card | 0.5 | Barclaycard | |
 | Lloyds Bank Business Credit Card | 0.5 | Lloyds | |
 | Santander Business Cashback Credit Card | 0.5 | Santander |
Earn rate / cashback
Rewards and cashback earn-rate benchmarks for UK business credit cards, sourced from issuer terms. Earn rates are stated in issuer units (points, miles, cashback %). Point valuations vary significantly by redemption route and are not standardised here — compare carefully before choosing based on rewards alone.
Use this data
Downloadable extracts are being prepared. Use the citation block below to reference this dataset in the meantime.
Methodology
Source and verification
Earn rate data is sourced from issuer terms, product pages, and rewards programme documentation. Membership rewards, cashback, and air miles are listed in issuer-native units. Redemption valuations are not included — they vary by route and are not standardised.
How to cite this page
Published · Updated
Data version: v202604
BusinessExpert (2026). UK Business Credit Card Rewards Index: Earn Rates and Cashback by Issuer. Available at: https://www.businessexpert.co.uk/credit-cards/business-credit-card-rewards-cashback/ [Accessed 29 April 2026].
Publisher: BusinessExpert
https://www.businessexpert.co.uk/credit-cards/business-credit-card-rewards-cashback/
Sources used:
- Issuer pre-contract documentation